Financial planning built by someone who sat in your seat.

We know SAP's compensation from the inside

SAP's compensation for senior employees and executives includes a mix of base salary, performance bonuses, RSUs, and the Own SAP employee stock purchase plan (ESPP). Each piece has its own tax treatment, vesting schedule, and planning implications — and most advisors don't understand the details.

Henry does. He lived it. And he built Blackshire specifically to help people in situations like yours make better decisions about their wealth.

What SAP employees need to plan around

If you're an SAP employee — especially at the manager level and above — here are the financial planning issues we see most often:

• RSU vesting and tax impact — RSUs are taxed as ordinary income at vesting. If you're not modeling the tax hit in advance, you're likely underwithheld and facing a surprise at filing time.
• Own SAP ESPP decisions — Should you max your ESPP contribution? Sell immediately or hold for qualifying disposition? The answer depends on your tax bracket, concentration, and overall plan.
• Concentrated stock risk — Between RSUs and ESPP shares, it's easy to accumulate a large position in SAP stock without realizing it. Diversifying without creating a massive tax event requires a deliberate strategy.
• High income, high tax complexity — SAP's senior roles push total compensation well into the highest tax brackets. Roth conversions, backdoor Roth strategies, tax-loss harvesting, and IRMAA planning all become critical.
• Retirement timing — When to retire from SAP, how to handle unvested RSUs, what happens to your ESPP, and how to structure your income in the years that follow.
• Job changes and offer evaluation — Considering a move? We model the full financial picture: unvested equity you'd leave behind, signing bonuses, new equity packages, and the tax implications of each scenario.

Why SAP employees trust Blackshire

This isn't a generic tech-employee page with a few SAP logos added. Henry spent his career at SAP and in enterprise tech. He understands the culture, the comp structure, the career trajectory, and the financial decisions that come at each stage. That context makes the advice better.

We're also fee-only and fiduciary — meaning we don't sell products or earn commissions. Our only incentive is to give you the best advice we can.

Based near SAP's US headquarters

SAP's North American headquarters is in Newtown Square, PA. Our office is in West Chester — about 15 minutes away. Many of our SAP clients live in the surrounding communities: Malvern, Wayne, Bryn Mawr, West Chester, Kennett Square, and Wilmington.

We meet clients in person and virtually — whatever works best for you.

Get started

If you're an SAP employee and want to talk through your equity, your tax picture, or your long-term plan — we'd love to hear from you. Henry personally works with every SAP client.

Meet Henry and the team →